XRP, yours to hold and swap
XRP · XRP Ledger networkLooking for a XRP wallet or a XRP wallet app that does more than just hold? Zypto App is a non-custodial multichain DeFi wallet where you can hold XRP, swap into 24,000+ assets across 20+ chains, connect to dApps and put your crypto to work in the real world. All from one app, your keys on your device.
What makes Zypto the right place for your XRP
Most XRP wallets do one thing: hold XRP. Zypto App is a full DeFi wallet built for actually using it. Hold XRP non-custodially on the XRP Ledger network, swap into 24,000+ assets across 20+ chains via in-app DEX integrations, connect to dApps with WalletConnect, and use the value through the Zypto Premium Visa Card and Zypto's bill-pay and gift-card surfaces.
Whether you're new and looking for your first XRP wallet app or your first XRP wallet, or an experienced DeFi user who wants one wallet for holding, swapping and real-world spending, Zypto is built for both, without sacrificing self-custody.
New to XRP? Start here with the right XRP wallet
New to XRP? You don't need an exchange account to get a wallet. Download Zypto App, generate your recovery phrase, and you have a working XRP wallet in under a minute. Add your first XRP by receiving from another wallet, or by buying in-app where supported.
From zero to using XRP
Get the app
Download Zypto App on iOS or Android. Generate your recovery phrase. Your keys stay on your device.
Add XRP
Receive XRP from another wallet, or buy in-app where supported.
Use it everywhere
Top up the Zypto Premium Visa Card, swap into other assets, pay bills, or buy gift cards.
Your XRP is secured by you
Zypto App is non-custodial. Your private keys are generated and stored on your device, Zypto never has access to your XRP and every transaction is signed locally. For account access, every user sets a PIN with optional biometric security (fingerprint or face recognition). You can also filter your wallet to show only verified tokens, protecting you from random airdrops or unsafe assets. For offline hardware wallet security, pair with the Vault Key Card, card-based cold-wallet hardware that signs transactions over NFC, keys never touch the internet.
What is XRP?
XRP is the native asset of the XRP Ledger (XRPL), a payment-focused blockchain optimized for fast, low-cost cross-border value transfer. The ledger settles transactions in 3-5 seconds with sub-cent fees and is used by financial institutions for liquidity and remittance flows.
Real things to do with your XRP
Zypto App connects your XRP to real-world spending. Swap into supported coins in-app, use your XRP in the real world.
Vault Key Card cold storage
Card-based cold-wallet hardware. NFC-tap to sign XRP transactions, keys never touch the internet.
Vault Key CardUse a Crypto Visa Card
Load the Zypto Premium Visa Card with crypto. Physical and virtual cards, use them wherever Visa is accepted.
Crypto cardsPay bills with XRP
Settle utility bills and mobile contracts with billers worldwide, paid with crypto from your Zypto wallet.
Bill payBuy gift cards with XRP
Gift cards from popular brands, paid with crypto. Settle in-app, redeem instantly.
Gift cardsTop up any phone
Send mobile credit across many countries in seconds. Pay with crypto, recipient gets local airtime.
Mobile top-upsCross-chain swaps
Swap XRP into 24,000+ assets across 1,000,000+ cross-chain routes. All in-app, all in two taps.
Multichain walletPay with crypto
Zypto App supports 100+ cryptocurrencies for card loads, mobile top-ups, bill pay and gift cards. Swap any asset into a supported coin in-app, all in a few taps.
Zypto PayOther assets worth holding next to XRP
Cross-chain swaps mean your XRP can become any of these in two taps.
663+ dedicated wallet pages
XRP wallet questions, answered
What's the best XRP wallet app?
That depends on what you want to do with your XRP. If you're holding only, any non-custodial wallet works. If you want to hold, swap across 20+ chains, connect to dApps, and use crypto for real-world spending, Zypto App is purpose-built for that while still being fully non-custodial.
Is the Zypto XRP wallet non-custodial?
Yes. Your private keys are generated and stored on your device. Zypto never has access to your XRP. Every transaction is signed locally on your device before it reaches the network.
How do I use crypto for real-world spending with Zypto Premium Visa Cards?
When you load the card in Zypto App, your crypto is converted into USD. Conversion happens at load, not at the checkout, so you can lock value in, avoid volatility and pay wherever Visa is accepted, subject to eligibility and applicable limits.
Which chains can I swap XRP into?
Swap into assets across 20+ chains including Ethereum, Solana, Polygon, Arbitrum, Optimism, BNB Chain and TRON, across 1,000,000+ cross-chain routes. All in-app, all in two taps.
How do I back up my XRP wallet?
During setup, Zypto App generates a 12-word recovery phrase. Write it down and store it offline somewhere safe. For offline hardware wallet security, pair Zypto App with a Vault Key Card, the card-based cold-wallet hardware that signs transactions over NFC without exposing your keys to the internet.
Is Zypto App available in my country?
The wallet itself is available globally on iOS, Android and web. Some features (in-app buying, the Zypto Premium Visa Card) vary by region. See what's available where you are on our <a href="/spend-crypto/">Spend by Country</a> page.
Is Zypto App free?
The app is free to download and use. Standard network fees apply to on-chain transactions. Card and bill-pay services carry transparent transaction fees published in the app.
Learn more about XRP
